How to Get a Copy of Your Tax Return

Tax records are often needed for various financial activities, such as applying for mortgages, student loans, or financial aid, and for personal record-keeping. These documents provide a snapshot of an individual’s financial history as reported to the Internal Revenue Service (IRS). Understanding how to access these records efficiently is important for managing personal finances and fulfilling various application requirements. This guide will help you navigate the process of obtaining your tax records directly from the IRS.

Understanding Tax Records: Transcripts and Copies

When seeking tax information from the IRS, distinguish between a tax transcript and a full tax return copy, as they serve different purposes. A tax transcript is a summary of your tax return, not an exact duplicate. Transcripts are commonly accepted by mortgage lenders, student loan providers, and other financial institutions to verify income and tax filing status.

These documents are generally free and available in several types: the Tax Return Transcript (most line items), the Tax Account Transcript (basic data and adjustments), and the Wage and Income Transcript (employer/third-party reported information).

In contrast, a full tax return copy is an exact replica of the tax return you filed, including all forms and schedules. This type of record is typically needed for personal records, legal purposes, or when filing an amended tax return. Unlike transcripts, obtaining a full tax return copy involves a fee for each tax year requested and generally takes a longer time to process.

How to Get Tax Transcripts

Obtaining tax transcripts from the IRS is straightforward, with several methods available. Before requesting, ensure you have necessary personal information: your Social Security Number (SSN), date of birth, current mailing address, and filing status from your last filed tax return.

One of the most efficient ways to get a tax transcript is through the IRS “Get Transcript Online” tool. You will need to create an account and verify your identity using ID.me, which involves uploading government documents and taking a video selfie. Once verified, you can access, view, and print various transcript types, such as the Tax Return Transcript or Tax Account Transcript, immediately. This online service provides access to transcripts for the current and nine prior tax years.

Alternatively, you can request transcripts by mail using Form 4506-T, “Request for Transcript of Tax Return.” This form requires your name, SSN, current address, and the tax year(s) needed. If your current address differs from your last filed return, include your previous address. Mail or fax the completed Form 4506-T to the appropriate IRS address, which varies by the state where you lived when the return was filed. Transcripts requested by mail typically arrive within 5 to 10 business days.

A third option involves using the automated phone service. You can call the IRS at 800-908-9946 to request a transcript. During the call, you will need to provide your SSN, date of birth, and the street address from your last tax return for identity verification. Transcripts ordered via phone are also delivered by mail within 5 to 10 business days.

How to Get Full Tax Return Copies

If a tax transcript does not meet your specific needs and you require an exact copy of your filed tax return, you will use Form 4506, “Request for Copy of Tax Return.” This form is used to obtain complete copies of your tax returns, including all accompanying forms and schedules. You can request copies for the current tax year and up to six prior tax years.

To complete Form 4506, you must accurately provide your name, Social Security Number (SSN), current address, and the specific tax year(s) for which you are requesting a copy. If you filed a joint return, either spouse can request a copy, and only the signature of the requesting spouse is generally required. However, the name and SSN of the primary taxpayer as shown on the original return should be listed.

Once completed, Form 4506 must be mailed to the IRS. The correct mailing address depends on the state you lived in when the tax return was filed; consult the current instructions for Form 4506 for the proper IRS processing center. A fee of $43 applies for each tax return copy requested. Payment should be made by check or money order payable to the “U.S. Treasury” and included with your request. Write your SSN or Employer Identification Number (EIN) and “Form 4506 request” on your payment.

Processing Times and Fees

The time it takes to receive your tax records and any associated costs vary depending on the type of record requested and the method used. Tax transcripts are provided free of charge, regardless of how they are requested. If you use the IRS “Get Transcript Online” tool, your transcript is generally available for immediate download and printing. For requests submitted by mail or phone, transcripts are typically delivered to the address on file with the IRS within 5 to 10 business days.

In contrast, obtaining full tax return copies through Form 4506 involves a fee and a longer processing period. Each copy of a tax return costs $43. After the IRS receives your request and payment, it may take up to 75 calendar days to process and mail the copies. There is no expedited delivery option for full return copies. If you have recently filed your tax return, it is generally advisable to wait a few weeks before requesting a transcript or copy to ensure the IRS has processed the original return.